Sheboygan Area Credit Union
Total assets
$90.5M
▲ +5.5% YoY
Shares & deposits
$75.9M
▲ +4.3% YoY
Loans
$52.4M
▲ +3.9% YoY
Members
6,879
▲ +1.9% YoY
ROA (annualized)
1.85%
peers 0.60%
ROE (annualized)
12.16%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +1.3% | +4.2 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.6 pts |
| Loan growth (YoY) | +3.9% | -2.4% | +6.3 pts |
| ROA | 1.85% | 0.60% | +1.2 pts |
| ROE | 12.2% | 4.1% | +8.1 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 1707 Indiana Ave, Sheboygan, WI, 53081
- NCUA charter #
- 66616
- RSSD ID
- 864891
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $90.5M | $75.9M | $52.4M | $13.8M | $419K | 1.85% | 3.82% | 0.33% | 6,879 |
| Q4 2025 | $87.1M | $72.7M | $51.8M | $13.4M | $1.9M | 2.18% | 3.99% | 0.42% | 6,868 |
| Q3 2025 | $86.8M | $73.0M | $52.0M | $12.9M | $1.4M | 2.20% | 3.96% | 0.42% | 6,863 |
| Q2 2025 | $86.4M | $73.1M | $51.5M | $12.4M | $924K | 2.14% | 3.91% | 0.21% | 6,846 |
| Q1 2025 | $85.9M | $72.8M | $50.5M | $11.9M | $434K | 2.02% | 3.81% | 0.01% | 6,753 |
| Q4 2024 | $81.8M | $69.5M | $51.2M | $11.5M | $1.5M | 1.87% | 3.86% | 0.40% | 6,723 |
| Q3 2024 | $81.4M | $69.1M | $51.5M | $11.2M | $1.2M | 1.91% | 3.82% | 0.09% | 6,660 |
| Q2 2024 | $81.8M | $70.2M | $50.5M | $10.8M | $761K | 1.86% | 3.72% | 0.18% | 6,642 |
Loan mix (Q1 2026): real estate $24.8M · commercial $2.2M · consumer $24.0M · securities $23.8M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 0.60% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 4.1% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.83% | 50th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 81.5% | 14th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Taylor Credit UnionMedford, WI · $88.4M
- Marshfield Medical Center Credit UnionMarshfield, WI · $93.0M
- Northwoods Community Credit UnionPark Falls, WI · $93.7M
- Forward Financial Credit UnionNiagara, WI · $85.1M
- Fond Du Lac Credit UnionFond Du Lac, WI · $84.5M
- Indianhead Credit UnionSpooner, WI · $98.8M
Selling to Sheboygan Area Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.